Personal Finance · head to head
Splitwise vs Copilot Money
The short version
- Each has a real cost: Splitwise the free tier limits how many expenses can be added in a day and shows adverts; Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
- They diverge on capability: Splitwise covers Bill splitting, Copilot Money covers AI-powered insights.
Where they differ
Only the attributes on which Splitwise and Copilot Money actually diverge.
| Attribute | Splitwise | Copilot Money |
|---|---|---|
| Founded | 2011 | 2020 |
Identical on both: starting price (Free), pricing model (freemium), free tier (Yes), platforms (Web, IOS, Android), user rating (Not yet rated), category (Personal Finance).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Splitwise
- Bill splitting
- Expense tracking
- Group management
- Settlement tracking
- Venmo
- PayPal
Only in Copilot Money
- AI-powered insights
- Spending analysis
- Budget optimization
- Financial planning
- Bank accounts
- Credit cards
Both cover
- Web support
- IOS support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Splitwise
- Splitting shared household bills between flatmatesnot Copilot Money
- Tracking who owes what on a group tripnot Copilot Money
- Settling up across currencies on the Pro plannot Copilot Money
- Recording IOUs between friends over timenot Copilot Money
Copilot Money
- Tracking spending across connected accountsnot Splitwise
- Budgeting by category with automatic transaction taggingnot Splitwise
- Investment and net worth trackingnot Splitwise
- Reviewing recurring subscriptionsnot Splitwise
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Splitwise
- The free tier limits how many expenses can be added in a day and shows adverts
- Transaction import works in the United States only
- Currency conversion, receipt scanning, charts and expense search are all Pro features
- The Pro price is not shown on the product page
Copilot Money
- Apple only: web, iPhone, iPad and Mac, with no Android app
- No free tier; $95 a year billed annually, which works out at $7.92 a month
- The trial only starts once accounts are connected
Pricing, plan by plan
Splitwise
Free- FreeFree
- Bill splitting
- Group tracking
- Mobile app
- Splitwise Pro$4.99/month
- Receipt scanning
- Advanced analytics
- No ads
Copilot Money
Free- FreeFree
- Basic budgeting
- Spending tracking
- Premium$12.99/month
- AI insights
- Advanced analytics
- Financial planning
Which should you pick?
Choose Splitwise if
- You need bill splitting.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want expense tracking.
Choose Copilot Money if
- You need ai-powered insights.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want spending analysis.
Questions people ask
- Is Splitwise or Copilot Money better?
- Neither clearly leads. Splitwise starts at Free and Copilot Money at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Splitwise or Copilot Money?
- Splitwise starts at Free and Copilot Money at Free.
- Does Splitwise or Copilot Money run on more platforms?
- Both run on Web, IOS, Android, so platform support will not decide this one for you.
- Can I use Splitwise for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Splitwise best used for?
- Splitwise is most often used for splitting shared household bills between flatmates, tracking who owes what on a group trip, settling up across currencies on the pro plan, recording ious between friends over time. Of those, splitting shared household bills between flatmates and tracking who owes what on a group trip are not what Copilot Money is typically brought in for.
- What can Splitwise do that Copilot Money cannot?
- Splitwise covers Bill splitting, Expense tracking, Group management, Settlement tracking. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Both handle Web support, IOS support, Android support.